1.5% Cashback
You will earn Cashback at the rate of 1.5% for purchases of goods and services on your Account, subject to the Cashback Terms and Conditions and any promotional offer we make. The Cashback is calculated on the value of each purchase multiplied by the Cashback rate and the value of each purchase will be rounded off to the nearest dollar before Cashback is calculated. The final Cashback amount for each purchase will be calculated as the exact digits in the first two decimal places. We reserve the right to retract, deduct and/or re-compute any Cashback amount in cases where we, in our absolute discretion, deem that there is an abuse of the Cashback program.

3% Cashback Welcome Bonus
As a welcome bonus, you will earn Cashback at the rate of 3% on up to a total of S$5,000 of purchases of goods and services made on your account (which shall include both spending by you and your Supplementary Card Members) in the first 6 months of your American Express True Cashback Card Membership, subject to the other Cashback Terms and Conditions and any promotional offer we make. When the Cashback rate of 3% applies to a purchase of goods or services during the welcome bonus period, the Cashback rate of 1.5% will not be applied in addition to the Cashback rate of 3% to the same purchase. Purchases of goods and services in excess of S$5,000 during the welcome bonus period will earn Cashback at the standard rate of 1.5%, subject to the other Cashback Terms and Conditions and any other promotional offer we make.

1% Additional Cashback for Foreign Currency Spend
You will earn an additional 1% Cashback for purchases of goods and services made in Foreign Currency on your account on top of the 3% Cashback Welcome Bonus or 1.5% Cashback thereafter. Purchases can be made in-person, in-app or online. Foreign currency means any currency other than Singapore Dollars. If your payment is converted to Singapore Dollars before being submitted to us (for example, if the merchant gives you the option of converting the transaction to Singapore Dollars at the point of sale), it will not be eligible for the additional Cashback. The additional 1% Cashback on Foreign Currency spend will be credited per qualifying transaction. Registration is required, please visit amex.co/tcbfcs for details.

Cashback will be paid to you by crediting your Account and included in your monthly statement. We will only credit your Account if it is in good standing and not overdue. No Cashback will be earned in respect of interest, charges, fees (including annual fees and late payment fees), balance transfers, instalment plans or converted balances (from both American Express and other issuers), cash advances (including transactions treated as cash), loading of pre-paid cards, American Express Travellers Cheque sales or foreign exchange transactions. A negative adjustment will be made to your Cashback balance if there are any credits posted to your account including those arising from returned goods or services or from billing disputes calculated in the same way as you earn Cashback.

Please refer to the Cashback Terms and Conditions section in the Card Member Agreement for more details.

1. This Offer is only applicable to Basic Card Members who apply and receive approval for new Supplementary Cards between 1st August 2019 and 30th September 2019 (both dates inclusive).
2. This offer is only valid if:
   a. the Supplementary Card Member applicant is not an existing Basic Card Member of the same product type as the Supplementary Card application. For example, if the individual is an existing American Express® True Cashback Basic Card Member, the offer will not be valid if the individual applies for an American Express® True Cashback Supplementary Card of another Basic Card Member;
   b. the Supplementary Card Member does not hold an existing Supplementary Card with another Basic Card Member of the same product. For example, if the individual is an existing American Express® True Cashback Supplementary Card Member of Basic Card Member A, the offer will not be valid if the individual applies to be an American Express® True Cashback Supplementary Card Member of Basic Card Member B.
3. You will receive S$20 CapitaVouchers for each approved Supplementary Card, up to the first two (2) Supplementary Cards only.
4. Each Basic Card Member is only entitled to receive a maximum of two (2) sets of S$20 CapitaVouchers, regardless of the number of Supplementary Cards applied via this campaign.
5. You will receive a redemption letter to your mailing address approximately twelve (12) weeks after your American Express Supplementary Card application has been approved. The redemption letter will contain details on how to redeem your CapitaVoucher.
   No expedite request will be allowed/entertained.
6. Each Basic Card Member is only eligible to redeem the gift once. If the Card Member redeems more than once or makes duplicate redemptions, the retail price of the vouchers will be charged to the Card Member’s Account.
   In the event of our suspicion of illegal activities in connection with the Vouchers or gift(s), including without limitation fraud or an attempt at deception, we are entitled to report such activity to the relevant authorities.
7. The gift must be redeemed within 2 months from the date of the redemption letter. Gift not redeemed within this validity period will be forfeited, and no extension of time or redemption period will be granted.
8. The original redemption letter must be presented for redemption and no replacement redemption letter will be issued, if original letter is lose, damaged or expired.
9. Offer cannot be exchanged for cash or used in conjunction with other promotional programmes, offers, discount cards, vouchers or VIP privileges, unless otherwise stated.
10. American Express reserves the right to withdraw or substitute the offer with other items(s) without prior notice and without assigning any reason.
11. The provision of benefits stated in the CapitaVoucher is the responsibility of CapitaLand Mall Asia Limited. American Express is not responsible or liable in the event that the benefits of the CapitaVoucher are not fulfilled by CapitaLand Mall Asia Limited. Merchants are solely responsible for the fulfillment of Offer and all relevant privileges. You accept and agree to be bound by the CapitaVoucher Terms and Conditions.
12. Card Member acknowledges that any disputes in relation to the above are to be directed solely to CapitaLand Mall Asia Limited who is providing such benefits.
13. Information is correct as of July 2019.

1. Earn an additional 1% Cashback for all transactions in foreign currency posted from 1 August 2019 to 30 June 2020.
2. Registration is required to enjoy the additional 1% Cashback on foreign currency spend. Please visit amex.co/tcbfcs or the Amex mobile app and click on “Save to Card” for ‘1% Cashback on Foreign Currency Spend’ to complete the registration. Re-registration will be required on an annual basis, to continue enjoying the 1% additional Cashback after 30 June 2020.
3. The 1% additional Cashback will only be valid for transactions made in a foreign currency at merchants that accept American Express. Transactions can be made in-person, in-app or online.
   • Foreign currency means any currency other than Singapore Dollars. Transactions converted to Singapore Dollars before being submitted to us will not be eligible for the 1% additional Cashback. (For example, if the merchant gives you the option of converting the transaction from a Foreign Currency to Singapore Dollars at the point of sale).
4. The additional 1% Cashback will be awarded as a statement credit in addition to any Cashback benefit that is applicable to your Card. The additional credit will not be reflected and credited together with any existing Cashback benefit. Please refer to your Card Member Agreement for Terms and Conditions regarding your existing Cashback benefits.
5. When you make a transaction in a foreign currency, it will be converted to Singapore Dollars based on the rate of exchange at the time your Card is charged. The additional 1% Cashback will be calculated after currency conversion to Singapore Dollars, excluding Foreign Exchange Charges that are incurred. Please refer to your Card Member Agreement for more information about Foreign Exchange Charges on your Card.
6. The additional 1% Cashback is valid only to individuals who hold a personal basic and/or supplementary American Express® True Cashback Card issued in Singapore by American Express International Inc. only.
7. The additional 1% Cashback is only valid for eligible transactions on a Card that has successfully completed the registration. A confirmation email will be sent to you upon successful registration.
8. Credit is not redeemable for cash or other payment form.
9. Credit should appear on your Card Account within 5 business days from the eligible transaction but may take up to 90 days from the transactions date.
10. Credit will not be applied to your Card Account if it has been suspended or cancelled.
11. Credit may be reversed if your eligible transactions is refunded or cancelled.
12. American Express does not assume liability and American Express Card Members shall not make any claim whatsoever for (i) injury or bodily harm or (ii) loss of damage to property, howsoever caused, arising from, or in connection with these benefits and privileges.
13. Terms and Conditions may be amended or withdrawn without prior notice at the sole discretion of American Express International Inc.
14. In the event of any dispute, the decision of American Express will be final and no correspondence may be entertained.